Credit Risk Management Of SMEs In COB Bank

The small and medium-sized enterprise is an important part of the national economy,Chinese is the largest number,the most innovative vitality of enterprise groups,in promoting economic growth,promote innovation,increase tax revenue,employment,has an irreplaceable role in improving people's livelihood.The economy has entered a new normal,small and medium-sized enterprises and banks more in-depth cooperation,is important the source of bank profits,but small and medium-sized enterprises in small scale,management ability,limited resources,weak ability to resist risks,especially when the economy is in a downward phase,small and medium-sized enterprises to highlight the risks,difficulty of credit risk management and risk cases,commercial bank asset quality continued to decline since 2010,so in the new situation how to identify,judge,risk evaluation of small and medium sized enterprises credit business process,has become a big problem,the risk management of commercial banks is to prevent,control and use of risk,achieve the goal of risk management Important contentUnder the above background,this paper uses the modern banking management theory,commercial bank risk management theory,through the status quo of credit risk management of domestic large state-owned bank COB bank for small and medium-sized enterprises,taking FD company credit business reasons for the cases analysis on the credit management system of COB bank and credit risk analysis,lack of credit management system of the SME from the enterprise,and the credit management COB bank for small and medium-sized enterprises exposed to outstanding SME credit business,the relevant model is not perfect,cash flow and the actual controller and other related analysis of lack of credit approval,inspection is not detailed,the main problems after dynamic analysis such as lack of risk assessment from the auxiliary dimensions.To highlight the characteristics of small and medium sized enterprises,optimize the existing model,the optimization scheme to strengthen the pre loan investigation and post loan management and other aspects,so as to better To deal with the credit risk of small and medium-sized enterprises under the new situation...